Cheapest Car Insurance Quotes in Modena

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Modena Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Modena

The car insurance rate in Modena is $1014 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, making it a popular choice for budget-conscious drivers. Rates in Modena can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Modena

$1014

Avg. Car Insurance in Utah

$1067

National Average

$1278

Cheapest Car Insurance Companies in Modena

1st place: Farmers Union Insurance

At $407 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $434 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $559 for six months, making it the third cheapest auto insurance company in Modena.

Modena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Modena, UT is Farmers Union Insurance, offering policies at just $407 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $434.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Modena drivers find the best deals.

Cheap Car Insurance Companies in Modena, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$407	$69
Auto-Owners Insurance Co	$434	$72
Nationwide	$559	$94
USAA	$637	$107
American Family	$722	$122
Progressive	$745	$125
Auto-Owners	$903	$152
Farm Bureau	$1253	$209
Allstate	$1309	$220
State Farm	$1981	$333
Farmers	$2207	$375

Key Takeaways

Way's key takeaways about car insurance in Modena

The auto insurance costs in Modena fall around $407 for six months.
The cheapest auto insurance company in Modena is Farmers Union Insurance.
Teen drivers pay the highest rate in Modena at $1400 per month.

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Cheapest Minimum Liability Car Insurance in Modena

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Modena are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Modena. Their Average 6 Month Premium is $186. Farmers is the most expensive at $2968 for the same period.

Cheapest Liability Coverage in Modena, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$186	$31
Auto-Owners Insurance Co	$242	$41
Nationwide	$265	$45
Progressive	$542	$91
USAA	$564	$95
American Family	$852	$143
Allstate	$1185	$200
Auto-Owners	$1321	$222
Farm Bureau	$1416	$236
State Farm	$2771	$466
Farmers	$2968	$495

Cheapest Full Coverage Car Insurance in Modena

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Modena is Farmers Union Insurance at $69 per month and $407 for six months.

Cheapest Full Coverage Car Insurance Quotes in Modena, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$407	$69
Auto-Owners Insurance Co	$434	$72
Nationwide	$559	$94
USAA	$637	$107
American Family	$722	$122
Progressive	$745	$125
Auto-Owners	$903	$152
Farm Bureau	$1253	$209
Allstate	$1309	$220
State Farm	$1981	$333
Farmers	$2207	$375

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Average Car Insurance in Modena by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Modena, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Modena, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Modena's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Modena

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Modena,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Modena at $48 per month. At $8403 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$294	$48
Auto-Owners Insurance Co	$333	$57
Iowa Farm Bureau	$350	$58
Utah Farm Bureau	$378	$65
USAA	$1275	$215
Nationwide	$1405	$237
Auto-Owners	$1823	$307
Progressive	$2234	$376
American Family	$2630	$443
Farm Bureau	$3296	$561
Allstate	$4469	$752
State Farm	$7104	$1196
Farmers	$8403	$1400

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Modena, Nationwide is the cheapest car insurance provider. At $311 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Modena is State Farm, offering rates of around $4182 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$311	$53
Farmers Union Insurance	$344	$57
Kemper	$508	$86
Auto-Owners Insurance Co	$581	$97
Progressive	$982	$165
American Family	$1004	$169
USAA	$1451	$247
Farmers	$2048	$345
Farm Bureau	$2359	$401
Allstate	$2387	$398
Auto-Owners	$2461	$418
State Farm	$4182	$697

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Car Insurance Rates with An Accident in Modena

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Modena, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Modena

The cheapest car insurance companies after an at-fault accident in Modena include Farmers Union Insurance and AutoOwners Insurance Co, offering $299 and $401, respectively. Farmers is an expensive provider with an average six-month premium of $3307.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$299	$49
Auto-Owners Insurance Co	$401	$68
Utah Farm Bureau	$474	$79
Encompass	$524	$89
USAA	$632	$106
Nationwide	$660	$111
Progressive	$812	$137
American Family	$971	$163
Auto-Owners	$1016	$171
Farm Bureau	$1935	$329
Allstate	$1947	$328
State Farm	$2297	$387
Farmers	$3307	$551

Modena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Modena UT. For example, the car insurance in Modena after a DUI increases to $931 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Modena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1038	$173
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1067	$178
One comp claim	$1067	$181
Two Med/PIP claims	$1067	$178
Two comp claims	$1078	$183
Failure to show documents	$1179	$197
Child safety restraint	$1213	$206
Driving without lights	$1213	$202
Failure to wear a seat belt	$1213	$206
Driving with expired registration	$1236	$206
Cell phone violation	$1275	$217
Texting while driving	$1275	$213
Wrong way/wrong lane	$1275	$217
Driving too slowly	$1281	$214
Failure to yield	$1281	$218
Following too closely	$1281	$214
Illegal turn	$1281	$218
Speeding 6 - 10 MPH over limit	$1281	$214
Failure to stop at a red light	$1286	$219
Speeding 11 - 15 MPH over limit	$1286	$215
Speeding 16 - 20 MPH over limit	$1286	$219
Speeding in school zone	$1286	$215
Improper passing	$1292	$219
In 65 MPH zone	$1338	$223
Speeding 21 - 25 MPH over limit	$1360	$231
Passing school bus	$1365	$228
At-fault accident - less than $1000	$1439	$245
Operating a vehicle without permission	$1507	$251
At-fault accident - $1000-$2000	$1547	$263
Open container	$1557	$259
At-fault accident - greater than $2000	$1568	$267
Reckless driving	$1941	$324
Driving with a suspended license	$1952	$332
Refusal to submit to a chemical test	$1952	$326
DUI	$1969	$334
Racing	$1969	$329
Leaving scene of an accident/hit and run	$2054	$350

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Modena after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Modena.

The cheapest car insurance premiums in Modena are offered by Utah Farm Bureau at $350 for a six-month policy. However, it can be as expensive as $3877 with companies like State Farm.

Modena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$350	$60
Farmers Union Insurance	$378	$63
Kemper	$434	$74
Progressive	$728	$123
USAA	$971	$163
Nationwide	$1033	$174
American Family	$1067	$180
Allstate	$1388	$234
Farm Bureau	$1416	$241
Auto-Owners	$2342	$390
Farmers	$2968	$504
State Farm	$3877	$653

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Modena are offered by Farmers Union Insurance at $237. However, it can be as expensive as $3058 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Modena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$237	$40
Nationwide	$242	$41
Auto-Owners Insurance Co	$328	$56
American Family	$756	$127
Progressive	$841	$142
USAA	$864	$143
Auto-Owners	$903	$154
Farm Bureau	$1416	$236
Allstate	$1495	$255
State Farm	$2201	$367
Farmers	$3058	$520

Car Insurance Price Trends in Modena, Utah

Car insurance rates in Modena have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Modena rose by $228 in January compared to $203 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Modena rose to $156 in January, compared to $65 in December. This represents an increase of $91 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Modena?

The car insurance in Modena is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Modena?

The cheapest car insurance in Modena is $69 per month for full coverage.

How much is car insurance in Modena for teenagers?

Car insurance for teenagers costs $294 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Modena?

The average cost of car insurance is $1067 for a six-month policy. It will cost around $170 per month to insure your car in Modena.

Is car insurance expensive in Modena?

Car insurance can be expensive in Modena if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Modena can be affordable.

What is the best car insurance in Modena, UT?

The best car insurance company in Modena UT is Farmers Union Insurance, offering $407 for a six-month policy.